Paycheck Calculator (2026)

Convert gross pay into take-home pay after 2026 federal, state, FICA, and pre-tax deductions.

Inputs

$
% of gross
Net take-home per paycheck
$2,130.96
Annual gross $83,200.00
Federal / period
$293.98
State / period
$210.25
SS + Medicare / period
$244.80
Pre-tax / period
$320.00

How it works

We annualize gross pay, subtract pre-tax contributions and the 2026 standard deduction, apply federal + state + FICA, then divide back to your pay-period take-home.

Frequently asked questions

Are these amounts an exact tax bill?

No. They use verified 2026 IRS/SSA figures but ignore credits, phase-outs and AMT. Use tax software or a CPA to file.

Marginal vs effective rate?

Marginal is the rate on your next dollar. Effective is total tax ÷ taxable income — always lower because earlier brackets fill first.

Standard or itemized?

Take whichever is larger. 2026 standard deduction: Single $16,100 · MFJ $32,200 · HoH $24,150 · MFS $16,100.

How is state tax handled?

Eight states impose no income tax. The rest are approximated at their top rate — see your state's brackets for a precise figure.

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